{"id":3322,"date":"2016-10-31T15:42:02","date_gmt":"2016-10-31T15:42:02","guid":{"rendered":"https:\/\/insights.invyo.io\/europe\/?p=3322"},"modified":"2019-04-12T17:21:24","modified_gmt":"2019-04-12T17:21:24","slug":"financial-modeling-and-fintech-regulation-in-europe","status":"publish","type":"post","link":"https:\/\/insights.invyo.io\/europe\/analyses\/financial-modeling-and-fintech-regulation-in-europe\/","title":{"rendered":"Financial modeling and Fintech regulation in Europe"},"content":{"rendered":"<p style=\"text-align: justify;\"><strong>The success of Fintech start-ups relies on two main factors: customer confidence and regulatory adoption<\/strong>.<strong> No surprise, I agree. But let&#8217;s see what it really means!<\/strong><\/p>\n<p style=\"text-align: justify;\">On one hand, Fintech can survive only if its technology\u00a0inspires confidence and trust to\u00a0customers and authorities. On the other hand, the\u00a0industry, like any other financial industry, can be sustainable only if the\u00a0regulators work on a streamlined legislation.<\/p>\n<p style=\"text-align: justify;\">I believe that\u00a0regulation should not be a barrier. If you are thinking to enter the Fintech market (yes, it is still possible!), I suggest that you start focusing on\u00a0the actual market demand, then you target\u00a0where it is better to\u00a0scale your business and\u00a0finally you analyze\u00a0the\u00a0regulatory framework of the country.<\/p>\n<p style=\"text-align: justify;\">Obviously\u00a0<strong>London is a major\u00a0city to consider<\/strong> for many reasons that you probably already know: leading financial center, easy access to capital, advanced infrastructures for talented people, and a truly diverse environment. I believe the latters, the <strong>diversity of the city and its talent pool<\/strong> coming from everywhere will greatly maintain\u00a0London as a leading Fintech hub, Brexit or not.<\/p>\n<p style=\"text-align: justify;\">A good illustration of that is the &#8220;Sandbox&#8221; created by the FCA (Financial Conduct Authority) dedicated to early-stage Fintech start-ups. The idea behind this initiative is to have\u00a0a \u2018safe space\u2019 and flexible regulatory framework in which businesses can test innovative products and services, business models and delivery mechanisms without being asked to comply with\u00a0all the regulatory standards.<\/p>\n<p style=\"text-align: justify;\">This approach has at least two effects on a short term perspective. Putting\u00a0traditional banks in\u00a0a situation where they have to <strong>accelerate their digital transformation<\/strong>. Putting other European regulators in an uncomfortable position where they need to <strong>react and take this case seriously<\/strong> (i.e. &#8216;Autorit\u00e9 des March\u00e9s Financiers&#8217; \u2013 AMF in France). As a result, we clearly assist to an <strong>unprecedented race between European\u00a0regulators\u00a0<\/strong>whose mission is now to make their country\u00a0the new capital\u00a0of Fintech in Europe.<\/p>\n<p style=\"text-align: justify;\">But the fact that fintech hubs are competing against each other <strong>is a good thing<\/strong> for the European ecosystem. It is indeed the guarantee to make\u00a0this nascent\u00a0and innovative industry grow over time.<\/p>\n<p style=\"text-align: justify;\">Given the actual positive\u00a0state of Fintech regulation in Europe, I strongly recommand\u00a0that you start\u00a0focusing on the <strong>market demand<\/strong>, rather than\u00a0the regulatory framework. Remember that the success of fintech is based at least on four attributes:<strong>\u00a0Talent, Capital, Policy, and Demand.<\/strong><\/p>\n<p style=\"text-align: justify;\">Interestingly, some countries have created\u00a0&#8216;special forces&#8217; like in the Netherlands with the &#8216;Ministry of startups&#8217; or Luxembourg with \u201cLuxinnovation\u201c. Other countries like Abu Dhabi are also planning to set-up such initiatives.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>The success of Fintech start-ups relies on two main factors: customer confidence and regulatory adoption. No surprise, I agree. But let&#8217;s see what it really means! On one hand, Fintech can survive only if its technology\u00a0inspires confidence and trust to\u00a0customers and authorities. On the other hand, the\u00a0industry, like any other financial industry, can be sustainable [&hellip;]<\/p>\n","protected":false},"author":15,"featured_media":3394,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":[],"categories":[551,2184],"tags":[1044,280,812,1036,82,1045,1042,1043,666,586,1046,813,184,1029],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v20.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Financial modeling and Fintech regulation in Europe - INVYO Insights Europe : Media Fintech<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/insights.invyo.io\/europe\/analyses\/financial-modeling-and-fintech-regulation-in-europe\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Financial modeling and Fintech regulation in Europe - INVYO Insights Europe : Media Fintech\" \/>\n<meta property=\"og:description\" content=\"The success of Fintech start-ups relies on two main factors: customer confidence and regulatory adoption. No surprise, I agree. But let&#8217;s see what it really means! On one hand, Fintech can survive only if its technology\u00a0inspires confidence and trust to\u00a0customers and authorities. On the other hand, the\u00a0industry, like any other financial industry, can be sustainable [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/insights.invyo.io\/europe\/analyses\/financial-modeling-and-fintech-regulation-in-europe\/\" \/>\n<meta property=\"og:site_name\" content=\"INVYO Insights Europe\" \/>\n<meta property=\"article:published_time\" content=\"2016-10-31T15:42:02+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-04-12T17:21:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/insights.invyo.io\/europe\/wp-content\/uploads\/2016\/10\/Techfoliance_financial-modeling-and-fintech-regulation-in-Europe.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2400\" \/>\n\t<meta property=\"og:image:height\" content=\"1800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Xavier Gomez\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/Xbond49\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Xavier Gomez\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/financial-modeling-and-fintech-regulation-in-europe\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/financial-modeling-and-fintech-regulation-in-europe\/\"},\"author\":{\"name\":\"Xavier Gomez\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/#\/schema\/person\/c963e158282ffce0840760cbbefbcb4f\"},\"headline\":\"Financial modeling and Fintech regulation in Europe\",\"datePublished\":\"2016-10-31T15:42:02+00:00\",\"dateModified\":\"2019-04-12T17:21:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/financial-modeling-and-fintech-regulation-in-europe\/\"},\"wordCount\":441,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\/\/insights.invyo.io\/europe\/#organization\"},\"keywords\":[\"AMF\",\"Europe\",\"FCA\",\"Fintech adoption\",\"France\",\"Luxembourg\",\"Luxinnovation\",\"Ministry of startups\",\"Netherlands\",\"regulation\",\"Regulatory framework\",\"Sandbox\",\"UK\",\"Xavier Gomez\"],\"articleSection\":[\"Analyses\",\"Regtech\"],\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/insights.invyo.io\/europe\/analyses\/financial-modeling-and-fintech-regulation-in-europe\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/insights.invyo.io\/europe\/analyses\/financial-modeling-and-fintech-regulation-in-europe\/\",\"url\":\"https:\/\/insights.invyo.io\/europe\/analyses\/financial-modeling-and-fintech-regulation-in-europe\/\",\"name\":\"Financial modeling and Fintech regulation in Europe - 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